Most people find it difficult to keep up with all of the different “Enrollment Periods” in Ohio.
First, Ohio Medicare Enrollment is based on age, aka INITIAL ENROLLMENT PERIOD:
Ohioans can sign up when first eligible for Part B. (i.e., if you’re eligible for Part B when you turn 65, this is a 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.)
|Sign up early to avoid a delay in getting coverage for Part B services. To get Part B coverage the month you turn 65, you must sign up during the first three months before the month you turn 65.||If you wait until the last four months of your Initial Enrollment Period to sign up for Part B, your start date for coverage will be delayed.|
Ohioans have a six-month Ohio Medigap (Medicare Supplement Insurance) policy open enrollment period which starts the first month you’re both 65 and enrolled in Part B. This period gives you a guaranteed right to buy any Medigap policy sold in your state. Once this period starts, it can’t be delayed or replaced.
PLEASE KEEP IN MIND THAT YOU CAN SHOP FOR AND EVEN SWITCH YOUR OHIO MEDIGAP POLICY ANYTIME THROUGHOUT THE YEAR (yes, even if you are 75 years old) if you have relatively good health).
Enrollment periods for Ohio Medicare Supplements are different because of this fact, during the six month period discussed above, however, you will be guaranteed coverage even with major illness and/or disease.
Some Ohio Seniors get confused in thinking that they can shop and switch Medicare Supplement Insurance Companies in Ohio during Annual Enrollment Periods such as the period that recently ended December 31, 2010. While this is true, Ohio Medigap Companies have the right to request health information and perform complete underwriting before issuing supplemental health coverage. It is very wise to check rates among Ohio Medicare Supplement Insurance Companies, especially if you have no Major health issues.
Other special circumstances can be researched here
ANNUAL ENROLLMENT PERIODS:
Pertains primarily to Ohio seniors wanted to get out of Medicare Advantage Plans and those that may need or want to change Part D prescription drug coverage.